Developers
Credit Data API for Developers
Meet your last integration, start building products
Every credit bureau has its own API. Every verification service speaks a different language. For most technical teams, that can mean weeks or months of integration work before you can even test a new idea.
CRS changes that equation. With a single relationship, you unlock the full spectrum of credit data, identity verification, income checks, and compliance tools from one endpoint. Our single API called CRS One normalizes responses across Equifax, Experian, and TransUnion so your code stays clean and your team stays focused on what actually matters: product iteration and user acquisition.
We built this company and all of our products for developers who've been burned by brittle integrations and vendor lock in for decades. Sample code, sandbox environments, and a dedicated technical support specialist are all available to you as needed. Most teams are live in days, not quarters.
Before (3 formats)
{...}
{...}
{...}
After (CRS)
{
"credit_score": 720,
"tradelines": [...]
}Built for Modern Tech Stacks
CRS supports the way you actually build software. POST requests over HTTPS with 128 bit SSL encryption. Response times measured in seconds with 99.9% uptime. Native support for JSON, XML, MISMO, and custom formats.
Whether you're running synchronous calls in a checkout flow or async batch processing for portfolio monitoring, CRS One, our single API solution can handle both. Over 30 predefined report templates give you flexibility out of the box, and our 1,800+ credit attributes allow you to customize any lending requirement.
We also support CRM integrations (Salesforce, Zoho, and more) if your team needs credit data inside existing workflows without heavy development cycles.
CRS MCP Server: Credit Data for AI Agents
Building AI powered financial applications? The CRS MCP Server brings credit data directly into your Model Context Protocol workflows. Connect Claude, custom agents, or any MCP compatible client to real time credit intelligence.
The MCP server exposes CRS endpoints as callable tools, letting AI agents pull credit reports, run identity verification, check OFAC compliance, and access score models programmatically. Perfect for conversational lending assistants, automated underwriting copilots, or any workflow where credit decisions happen alongside natural language.
npm install @crscreditapi/mcp-server{ "mcpServers": { "crs-credit": { "command": "npx", "args": ["@crscreditapi/mcp-server"], "env": { "CRS_API_KEY": "your-api-key" } } } }
Ready to integrate?
Build with us or build on your own
Talk to a CRS technical specialist today to learn more about our products
FAQ
How long does integration typically take?
Most development teams are live within a few days. We provide sample code, sandbox testing environments, and a dedicated technical support specialist who walks you through every step from documentation review to production activation.
What response formats do you support?
We support HTML, MISMO, PDF, TXT, XML, and X12 formats. Our API handles both synchronous and asynchronous communication via HTTPS posts, so you can match whatever your existing architecture requires.
Can I access all three credit bureaus through one integration?
Yes. CRS Standard Format normalizes data across Equifax, Experian, and TransUnion. You write one integration and we handle the bureau specific translation on our end.
What's the uptime guarantee?
We maintain 99.9% uptime with response delivery measured in seconds. Our infrastructure is built for production lending environments where reliability is non negotiable.
Do you offer sandbox and testing environments?
Absolutely. Every integration starts with sandbox access so your team can develop and test without touching production data. We also provide sample code to accelerate your development cycle.
What products can I access through the API?
The API unlocks consumer and business credit reports, soft and hard pulls, FICO and VantageScore models, identity verification, income verification, OFAC checks, MLA status, background checks, public record data, and more. One connection, full product catalog.
How does the MCP server work?
The CRS MCP Server wraps our API endpoints as MCP tools that AI agents can call directly. Install via npm, add your API credentials, and your agent can pull credit data, run verifications, and check compliance as part of its reasoning flow.
What kind of support do you provide?
24/7 technical support with a dedicated specialist assigned to your account. We're not a ticketing queue. You get direct access to people who understand both the API and the credit data underneath it.